I am a planner. MH is right. If this money is in long-term funds (equities or balanced funds) but if some is needed short-term, why are you in those funds? I'd recommend a high-interest account of some kind. I use Manulife Advantage and Altamira Cash Performer.
Why are you not asking these questions of your planner? That's why you've hired him/her. I don't mind answering your question, but I'd want my clients to ask me these questions.
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